RIA Financial Services Ireland Limited - Terms & Conditions

Please read carefully. This is part of a legally binding agreement that will affect your legal rights.

1 Parties

1.1 The agreement is between you and Ria Financial Services Ireland Limited, whose company registration number is 481946 and whose registered office is Embassy House Herbert Park Lane Ballsbridge, Dublin 4 ("RIA"). Ria is acting as the agent in Ireland of Euronet Payment Services Limited whose company registration number is 6975932 and whose registered office is 6th Floor, Watson House, 54 Baker Street, London W1U 7BU ("Euronet"). Euronet is regulated by the financial Conduct Authority (the "FCA") of the UK and is entered into the FCAregister with register number 504630.

2 Transfer Information

2.1 The Transfer will normally be paid in cash but also, where available and if so directed by you, to a bank account (an "Account").

2.2 A Transfer will normally be available for collection by the Beneficiary during the hours of operation at the selected Correspondent's location. However, Transfers may be subject to delay due to availability, conditions in the destination country, or regulatory requirements. RIA makes no representation when the Transfer will be available for collection by the Beneficiary, except to the extent set out in Clause 2.4.

2.3 If you have directed delivery to an Account, RIA makes no representation as to when the bank maintaining the Account will credit the Account.

2.4 Where a transaction is within the European Economic Area ("EEA") RIA will ensure, at the latest, that:

2.4.1 a Transfer paid as cash will be available for collection by the Beneficiary; or

2.4.2 a Transfer to an Account will be credited to the bank maintaining that Account, at the end of the next three Business Days after the date of the transaction. Where a "Business Day" is a day on which the Correspondent providing the service to you is open for business except weekends and national holidays.

2.5 Any requests for transaction received by RIA after 15:00 on a Business Day will be treated as requests received on the following Business Day.

2.6 the Transfer does not constitute a deposit or electronic money. Neither you nor the Beneficiary holds a payment account with RIA.

3 Transaction Limits

3.1 You may be required to present valid identification ("ID") in order to complete the transaction.

3.2 You may not make a single transaction with a value of more than €1,000 (including any fee), except where you meet the requirements set out in Clause 3.4.

3.3 You may not make transactions in a calendar month with a total aggregate value of more than €1,000 (including any fee), except where you meet the requirements set out in Clause 3.4.

3.4 For a transaction that exceeds the limits in 3.2 and 3.3 above RIA shall require you to present further documentation and/or provide further information in order to complete the transaction.

4 Foreign Exchange

4.1 You may request that the Correspondent provides you with information the currency or currencies available in the Beneficiary's country.

4.2 In addition to the transaction fee applicable to the transaction where you request a currency conversion, RIA will apply a currency exchange rate (the "Exchange Rate") to convert the Transfer to the currency of the destination country as set out on the front of the Form.

4.3 Any monies arising from the difference (if any) between the Exchange Rate and the exchange rate received by RIA will be kept by RIA and/or its Correspondents.

4.4 If at the time of collection the Beneficiary requests that the Transfer is paid out in a different currency to the one specified by you, the Correspondent may charge an additional fee. This exchange is a separate transaction between the Beneficiary and the Correspondent and does not form part of the Service.

5 Refund Information

5.1 Unless payment to the Beneficiary has already been made, RIA shall, within 15 Business Days, refund to you the Euro amount to be transferred less applicable fees and service charges on the condition that you provide RIA a copy of a valid receipt and present valid ID. A receipt is not valid unless the corresponding transaction is processed through RIA's computerised system and contains the computer generated imprint of the Correspondent's name and address, and the correct order number.

6 Liability

6.1 If an incorrectly executed transaction is made you must inform RIA on becoming aware of such a transaction and no later than 13 months after the date of the transaction otherwise RIA will not correct the transaction unless the information about the transaction was not provided or made available by RIA as required by law. You can inform RIA through its Customer Services whose contact details are set out in Clause 13.

6.2 If you provide RIA with incorrect information in the Form regarding the Beneficiary, RIA will not be liable for the non-execution or the defective execution of the transaction. However, RIA will make all reasonable efforts to recover the Transfer. RIA may charge you for the recovery of the Transfer.

6.3 Except as provided below RIA shall not be liable for any amount in excess of the amount equal to the principal transfer amount and the fees paid by you. RIA accepts no liability for services delays or any failure to perform the transaction in accordance with your instructions due to local regulations or circumstances outside its control. RIA will not be liable for any indirect or consequential loss. RIA will not be responsible for goods and services that may be paid for by a Transfer. RIA shall not be liable for any event of force majeure as described at Regulation 13 of the European Communities (Cross-Border Credit Transfers) Regulations 1999.

6.4 Nothing in this Clause 6 will limit RIA's liability for: (i) death or personal injury from its negligence; (ii) fraud committed by RIA; or (iii) any liability arising under the European Communities (Cross-Border Credit Transfers) Regulations 1999.

7 Data Protection

7.1 We would draw your attention to our Data Protection policy available from our Correspondents and prominently displayed in each of our Correspondents' place of business. In particular we would draw your attention to those provisions relating to the transfer of your personal data outside of the EEA.

8 Complaints

8.1 If you need to make a complaint relating to the Service please contact RIA's Customer Services by telephone, post or email as set out in Clause 13.

8.2 If RIA is unable to resolve your complaint you may also complain to the Financial Ombudsman Services by post addressing your complaint to the Financial Ombudsman Services, 3rd Floor, Lincoln House, Lincoln Place, Dublin, by telephone on 1890882090 - 016620899 or by email at enquiries@financial-ombudsman.org.uk. The financial Ombudsman Service's website is www.financial-ombudsman.org.uk.

9 Entire Agreement

9.1 Any defined words or phrases used in the T&C that are not defined here are defined in the Terms.

9.2 You agree that the agreement includes only the Terms and the T&C and is the entire agreement and understanding between you and RIA and supersedes and terminates any prior agreement between you and RIA.

10 Rights of Third Parties

10.1 No person other than a party to the agreement will have rights to enforce any provision of the agreement.

11 Severability

11.1 In the event any provision (or part provision) of the agreement (whether in the Terms of the T&C) is held by any court or authority of competent jurisdiction to be invalid, illegal or unenforceable that provision or part-provision will, to the extent required, be deemed not to form part of the agreement, and the validity and enforceability of the other provisions of the agreement will not be affected.

12 Language, Governing Law & Jurisdiction

12.1 Where RIA provides you with a translation of the English version of the Terms and/or the T&C, you agree that the translation is only for your convenience. The English version of the Terms and the T&C will govern the provision of the Service by RIA to you.

12.2 The agreement is to be construed in accordance with the law of Ireland and any dispute with respect to the agreement is to be subject to the exclusive jurisdiction of the Irish courts.

13 Contact Us

13.1 RIA's Customer Services may be contacted by telephone on 1800 930 169, by post at Suite 17/18 Dominick Court, 40-41 Dominick Street Lower Dublin or by email at eurocs@riafinancial.com.


 “Send Money to India” Prize Draw 2017 Official Rules       

(The “Prize Draw”)

The Prize Draw may be entered by eligible Entrants (see paragraph 2 below) in the Republic of Irland and those other countries indicated as relevant to the Prize Draw as set out in the “Legal” section of www.riafinancial.com (each a “Sponsor Country”). Prizes under the Prize Draw will be awarded and available exclusively to a Beneficiary located in India (see paragraph 7).

These Official Rules are final and binding in all matters related to the Prize Draw. Eligibility to enter the Prize Draw and collect a prize is contingent upon the Entrant and Beneficiary fulfilling all requirements set forth in these Official Rules


1.                  Sponsors


For the Republic of Ireland: Ria Financial Services Ireland Limited, 40 Dominick Court, Dominick Street Lower, Dublin 1, Ireland.

For the full list of Sponsors, please visit the “Legal” section at www.riafinancial.com.


2.                  Eligibility


Entry into the Prize Draw is open to natural persons that as of May 23, 2017 are at least eighteen (18) years of age or otherwise the age of majority in the relevant Sponsor Country (“Entrant”) and Beneficiaries (as defined at paragraph 4 below) each of whom must satisfy these Official Rules (including without limitation the “How to Enter” criteria at paragraph 4 below).


Employees, officers, and directors of the Sponsors and any of Sponsor’s affiliates, subsidiaries, representatives, contractors and members of their immediate families (spouses, parents, siblings and children, regardless of where they live) and those living in the same household (whether or not related) are not eligible to enter (or win) the Prize Draw.


Entry constitutes the Entrant's full and unconditional agreement to these Official Rules.  If an eligible Entrant does not wish to participate in the Prize Draw they should inform the relevant Sponsor or the relevant Sponsor’s agent at the time of requesting their Money Remittance (as defined at paragraph 4 below).


3.        Prize Draw Period

The Prize Draw begins on May 23, 2017 at 00:00 a.m. United Kingdom Time (GMT) and ends on July 31, 2017 at 23:59:59 p.m. United Kingdom Time (GMT) (“Prize Draw Period”).


4.                  How to enter


There is only one (1) way to enter:


(i)                 SEND A MONEY REMITTANCE TO INDIA THROUGH A SPONSOR FOR COLLECTION BY THE BENEFICIARY AT AN AUTHORIZED DEALER: Subject to the other provisions of these Official Rules, Entrants / Beneficiaries satisfying the following criteria will automatically be entered into the Prize Draw: (a) Entrants must send through a Sponsor at least one (1) money remittance (of any amount) to a designated beneficiary in India (“Beneficiary”) during the Prize Draw Period (“Money Remittance”) AND(b) the Beneficiary must collect the funds of such Money Remittance in cash during the Prize Draw Period at any payout location open for business in India of Paul Merchants Limited, Weizmann Forex Ltd, Transcorp International Ltd, Punjab National Bank, Manappuram Finance Ltd, Kotak Mahindra Bank Ltd, Muthoottu Mini Financiers Ltd, Ahalia Exchange & Travels Pvt Ltd, Jayapriya Enterprises, Orient Exchange & Financial Services Pvt Ltd or Ambay Forex Pvt Ltd or any other company in India as determined by the Sponsors from time to time during the Prize Draw Period (“Authorized Dealers”).  


Entrants and Beneficiaries must abide by the Money Remittance terms and conditions of the relevant Sponsor, including the payment of any standard fees and charges associated with a Money Remittance.


For the full list of Authorized Dealers, please visit the “Legal” section at www.riafinancial.com.


5.      Prizes

Thirty (30) prizes of 30 grams of 24-carat gold with an approximate retail value (“ARV”) of USD 1,300.00 per prize (each, a “First Prize”), and one (1) prize of 100 grams of 24-carat gold with an approximate ARV of USD 4,333.00 (“Grand Prize”).

Subject to the other provisions of these Official Rules, Entrants shall only be eligible to win one prize per eligible Money Remittance.

6.      Selection of winning Beneficiaries

Subject to paragraph 9, on or around August 15, 2017 thirty (30) First Prize winners and one (1) Grand Prize winner will be randomly selected from two raffles (one for each category of prize) containing all the Beneficiaries of eligible Money Remittances as established in these Official Rules.  Selection of the winning Beneficiaries will be  conducted at random by an independent Public Notary. The chances of winning a prize depend on the total number of Money Remittances sent by Entrants to India and collected by Beneficiaries at an Authorized Dealer within the Prize Draw Period.

7.      Prize awards and restrictions




Entrants shall not be entitled to receive a prize. 


Prizes may not be substituted, assigned, transferred, or redeemed for cash; however, the Sponsors reserve the right to make equivalent prize substitutions at its sole discretion if any prize (or portion of a prize) becomes unavailable.


The Sponsors shall not be responsible for any loss of a prize or portion of a prize after it has been delivered and the Sponsors will not replace any lost or stolen prizes. The ARV of any prize is subject to change and if the actual retail value of a prize is less than the ARV established herein, the Sponsors shall not compensate for the difference.


Sponsors shall be responsible for all duties and taxes imposed to Beneficiaries awarded with a prize, including taxes on income, subject to the completion and signing of the Beneficiary of any required declarations and / or tax forms.


8.      Notification to winning Beneficiaries


The unique identification codes of the Money Remittance of the selected Beneficiary winners will be published in the “Legal” section at www.riafinancial.com.

Winning Beneficiaries will be notified via telephone within ten (10) calendar days of the date they were selected and informed of the address for collection of their prize (“Place of Delivery”).  The Place of Delivery shall correspond to the location of the Authorized Dealer where the Beneficiary collected the relevant winning Money Remittance. The Sponsors shall reimburse the Beneficiary all reasonable transportation costs incurred up to a maximum amount of Fifty United States Dollars (USD 50) or its equivalent in Indian Rupees after receipt of the invoice(s) evidencing such costs at the Place of Delivery.

If an Entrant did not provide a telephone number for the winning Beneficiary under the payment instruction of the relevant winning Money Remittance, the Sponsors shall contact the Entrant to obtain the Beneficiary´s telephone number. If an Entrant or their winning Beneficiary cannot be reached via telephone after at least three (3) attempts, or a winning Beneficiary fails to present themselves at the Place of Delivery on or by the date communicated by the Sponsors, the Sponsors will award the prize to an alternate Beneficiary.  Such alternate Beneficiaries will be selected in descending order from the resulting Money Remittance entries of the relevant raffle (see paragraph 6 above) and following the communication procedure established in these Official Rules.  

Before receiving the prize at the Place of Delivery, winning Beneficiaries shall be subject to verification by Sponsors and shall be responsible for presenting a valid identification document and / or information to the Sponsors satisfaction.  The Sponsors reserve the right to withhold a prize if a winning Beneficiary does not provide such satisfactory verification documentation and / or information.


9.      General conditions and limitation of liability


The Sponsors reserve the right at any time and without notice to hold void, discontinue, suspend, or amend the Prize Draw / Office Rules including due to events falling out of its control, including without limitation suspected or actual fraud.


If a Beneficiary is selected as a winner, the Sponsors reserve the right to subsequently omit or disregard that Beneficiary from any further prizes under this Prize Draw, which may result in additional raffle drawings to select the next winning Beneficiaries in accordance with the procedure for alternate Beneficiaries set out at paragraph 8 above.


The Sponsors reserve the right at their sole discretion to disqualify any individual if the Sponsors suspect or find a violation of the Official Rules or the terms and conditions applicable to the relevant Money Remittance service.


Sponsors shall not bear responsibility for any inaccurate information received from Entrants, for the delay in the availability of a Money Remittance to a Beneficiary at an Authorized Dealer or failure by the Beneficiary to collect a Money Remittance at an Authorized Dealer within the Prize Draw Period, or for the suspension or cancellation of a Money Remittance in accordance with Sponsor´s terms and conditions and / or laws and regulations applicable to the Money Remittance Service in the Sponsor´s Country.   

 10.  Publicity

Except where prohibited by law, by collecting and accepting a prize a winning Beneficiary grants to the Sponsors and its affiliates, and those acting pursuant to their authority, the right and permission to publish and use worldwide in any media, including without limitation the Sponsors´ websites, the Beneficiary’s name, picture, portrait and / or voice for advertising and promotional purposes (including the announcement of his or her name, picture or video showing images of the winner on the internet or press release) without additional consideration, compensation, permission or notification.Licensor hereby grants to Licensees, effective upon the Effective Date, an exclusive, perpetual, irrevocable, royalty-free, fully paid-up, worldwide license to use, copy, display, perform, distribute and otherwise commercially exploit, in any manner and in any medium now known or hereinafter devised or created (including by creating or having created media in which Lagasse Publicity Rights are embodied for use in connection with the marketing or distribution of products and services), the Lagasse Publicity Rights in connection with any and all businesses, 3 products or services, excluding only the Permitted Activities other than the Resale Business and other uses reserved to Licensor under Section 2.04; provided, that with respect to the Resale Business, such license shall be non

11.  Law and jurisdiction

These Official Rules shall be governed by the laws of Ireland and Entrants / Beneficiaries accordingly submit to the jurisdiction of the Irish Courts.




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